From the headquarters of Ramsey Solution broadcasting from the dollar car rental studios, as the Dave Ramsey Show, that is dumb mortgage has taken the place of the B M W. I'm Dave Ramsey your host. Thank you for joining us. America, open phones at triple eight, eight, two, five, five, two, two: five: that purple. Eighty eight million two hundred and fifty five thousand two hundred and twenty five Amy is with us in Michigan high me. Welcome to the Dave. Ramsey show hi.

It's an honor to speak with you. Thank you for taking my call sure. Oh. I know that I am a single mom with three children and I know I have the right to file for child support on my ex boyfriend, but I just I know if it is the moral thing to do or the godly thing to do in this situation. I have I've never filed for child support, I've had children with him for five and a half years and he has never paid, except for maybe like six payments just in cash. Just random payments, but he's never other than about six payments of a couple? One hundred dollars he's never paid me anything for the children and I'm hesitant in filing support on him because number one he's an undocumented immigrant, so I'm afraid will get in trouble or he'll get find out um and get in trouble with ice for working under a false identity. I'm not sure

so does, but I know you have a job and so he he may still be working under a false name. And then the other reason, I'm scared about filing for support on him is just the fact that I kind of told him to get out of my children's in my life, because highly emotionally abusive, and so I kind of feel like how just not right for me to help her support. If I, basically, I told him to eggs in our lives and and the third saying the reason that I'm hesitant and asking for support from that from him that, When I wanted to add had a sibling for my for our daughter, we were talk to me- and I will you please help me on to have a sibling for our daughter and he's like well sure. But you know I I can't pay for that right and because I can't even pay for our daughters to you know, I'm not going to pay he's saying, and so I'll help you as long as you're cool with me not paying anything- and I was like. Oh absolutely- that's totally fine to worry about it, take care of it

well that was back in my income is really good, but I'm a little broke now and basically having to take out loans to get groceries and things like that, and so I'm just like what do I do, but I don't want to do the wrong thing just because I can't get groceries either. So I just need Your advice. Well, the so much going on here the. Number number one stop having children with people who don't support them and that you're not married too, and that you're not married to Okay, you didn't ask if you didn't want it, but you need to stop doing that. Okay, You got yourself into a mess. Obviously right, and this is a bad dude? Okay

he's here illegally he's an abusive dude. And you told him to stay away and I don't even want to know the details. You told him you wanted to have another kid, but you pay for it right. Oh right, ok, so it sounds like it's more hassle than it's worth. It sounds like you I mean, certainly for one of them. You would be told him not. You wouldn't charging right right but you have a deal on that. You have to keep your word on that. I guess keeping your word comes into this discussion, Ann, but I mean here's. The thing What we need to be we need to be concerned about is what is best for the children and, what's best for the children is eh it is for you to get a career. That's going and him

not be around right. Oh right yeah, so I think it's just. The fact that things are tight is the only reason you're considering this and it's making you try to look past some of all these other negatives that you did list out very thoroughly pretty long list of negatives down the list on reasons to not do this ninety nine percent the time someone calls up with this. I actually, when I saw on the screen file for child support, question and That's not that's on my screen waiting on you to come up. I immediately go well. Of course, I had kids. We had to pay for the kids basic basic ethics right, you gotta take care of your own dadgum children, but this is not Who takes care of anybody? exactly he's a taker, not a giver, and so, And you've got to commit in your life for the sake of three children to not let this

pattern continue in your life right. Yes, definitely. Ok, alright, so yeah. You do that an you work on your career and your character, an you grow an you, take care of these kids because number one, we're not getting money out of him either. That's the other negative on the list 'cause as soon as they come to try take money from him at work? He's gone. I mean you're not going to find this guy he's going to be a ghost, and I you know as soon as he appears he's going to disappear and- and it would, you know now, it's and it's not worth it. There's too much negative, an almost no positive to go after him. For this, the thing you do you learn the negative things that got you into this situation and you don't replicate those you don't continue in those patterns and then do some things in your personal life: to get your income up to be able to take care of these kids may

clued moving near family. It may include whatever to get some support around you to cause it to happen. Sorry. I wish I had a better answer, but it is a complicated question. Gw is with us in Kentucky High GW. How are you I'm good, how you doing better than I deserve. How can I help awesome? I had a question me: my wife started our debt free journey in June of this year, and our inner journey Talking to one of her friends from work, and but somehow, when they go into their payroll, they can do with hold on the federal taxes that are taken out of her payroll and we've been doing that because I'm trying to get rid of our tax refund, which I've heard you and I trying to get that the withholdings down and I was if we were to that right out to the net for the rest of this year,

so we've always got tax refund we've never not gotten one and I'm worried what, if we let this thing right out will and it comes tax time. Is there any type of penalty. If we have to pay when it comes to long our characters you under with you, can be penalized. Okay, so. How much are how much is your refund last year, everything was about Forty two thousand one hundred and forty two dollars a year before the year before? less than that, because we didn't have So if you really want to know what you can do is go to attack CLP and to go ahead and do your taxes and- who makes your taxes and then make sure you're having the proper amount withheld and that's Is there a way to do this or you can Four thousand two hundred twelve which is going to give you four hundred bucks

in a month and take that much more home and you'll be pretty safe. As long as nothing else has changed in your situation, but the which is just going to your taxes and have an estimate done and have the proper amount withheld. I call the other day, and I thought it was worth talking about again. It was from a wife looking for life insurance for her family. She asked why I only recommend term life insurance instead of cash value plans like whole life,

I usually explain how you overpay for coverage, earn a horrible rate of interest and don't get your cash value when you die. But this time I just had her go straight to Zander dot com and get a rate, and then we compared that rate to the whole life plan, and she immediately saw the huge savings. That's why I suggest that everyone go to Zander dot com or call them at eight hundred three hundred and fifty six. Four thousand two hundred and eighty two and get a free quote

This is a book launch week for debt free to grocery, with Ramsey Personality and best selling author Anthony O'Neill started out in New York and then over. The Chicago has been all over the nation this week signing books and doing media appearances, letting people know they can go to college and not have to go in debt to do it. I Anthony how's it going out there on the road Dave is going A mazing man we just got into Phoenix AZ, the team and I've been going hard ever since about six hundred o'clock. This morning, we've already done about three to four media hits at the very first one. Good morning, Arizona now that was fine with Scott and he passionate about the messages that we ended up actually staying.

Afterwards and talking about his fiance's kids and which of the other team members actually came around, was asking me questions. So the Energi crazy to momentum is going high and I'm just excited about what's going on here in Phoenix right now, and we have a sold out. Financial peace live event tonight with you, Anne, Chris Hogan Right yes, sir. Yes, Sir Chris Hogan, I just did Kt Ar, is Bruce and PAMELA a radio show here at least sold out nearly two thousand people or things right at one thousand, six hundred and seventeen hundred- and it's going to be amazing- Chris Hogan added night together on stage is electric it's is enerji but they're going to walk away with some solid information on how to take control of their finances and, of course, talking about debt free degree. How do we get our kids through college, one hundred percent debt free and also signing books tonight, so I'm excited very cool and then next week, you'll be heading over to Colorado, Springs and doing a signing there on the 16th right

yes, sir. Yes, sir, here late on Monday and Tuesday, then we Colorado Springs. Do some media then do a book signing there name, in Colorado springs and go over to Houston. Do uh, media and then Friday night. I will be both sign in there in Houston, TX, perfect, ok, cool! So where do you go from Phoenix Huh, from Phoenix, yeah go home for twenty four hours, rest repacks close up for next week and give me a massage Dave and then back backyard. Tell a man I'm like man. This is my little bit of stuff, but I remember be back in his days going hard hard hard. So if they've can do it, so can I You can do it. You got! You got this man you're doing great we're proud of you very, very well done well, in a good week and a lot of people are going to be able to go to college without having that because of we're doing we're very, very proud of you. What is the the number one thing that they can do if they were to

debt free degree. If they were to get the book, the parent listening right now, they've got a kid. That's a team major and their thinking. How am I going to get my teenager to school? What's the number one thing they're going to take from this book, then, only going to take from this this book Davis the school choice they have to pick and choose the school for them to go to school defreeze, which is you? schools in affordable school in affordable school is a debt free school and we literally welcome through the process on lists out three. High schools that you like go visit them ask the right questions, the best school for you to choose, which ones will give you the most money to. School which one is going to be cheaper and ask the number one thing: they're going to walk away from throughout this entire book is Now we get a into school. How do we get him into school, that's me best for them and about it. They want to go to yeah, and- and you know what I thank you- and I both need to make sure that people understand we we are

not telling people not to live their dreams. We love you guys out there. We want you to win. We are telling you that what some of calling dreams when you're thirty two are going to be called nightmares. Yes, nightmares Dave when they're, six thousand and seventy notice studies are showing David twenty years later after they graduate. They Nearly fifty percent of the student loans, and so that is scary, earlier today, Dave. If you look on my instagram, I just posted it. A young lady made a payment twenty years after she made a pay eighty six dollars and fifty nine cents of it went towards interest. It's not even going towards principle so you're right first saying that your dream is actually becoming a nightmare is robbing robbing your money is taking you away from your goals and your dreams. So we just you know when you graduate you're actually process in your dream: career you're, buying homes, you're, really having a good time, not worrying about your past yeah, absolutely and

you're going to pay a price. You just need to decide when you're going to pay it up front or after us, and the price you pay after is always a bigger price, Yeah yeah, you know what Dave here's the thing something that that I'm really really telling people that going to school doesn't have to be expensive. There are expense schools out there, but you don't have to pay that money. You got to make the choice, Thomas Finn, for you I'm a work hard. Save a lot of money as far as in staying home eating at home, and you can still go to your dream school. If you do it right, but that's what debt free degree is all about if you want to go to Harvard hey, follow the principles that are in a book and go for it and if it doesn't land the way you want it to land. The next best school. That will give you everything that you can get that free and here's the thing We start playing these schools off against each other. They'll start their game will start up in what they're giving you you can You're going go, get them to negotiate against each other

it may or may not mean you can actually get the one that you'd think you want to go to the famous school as s good, and he says, they're, not better. Schools are just more famous and that's a good and really you know, because because it's hard really hard to say academically. That there's you know, let's just say since one school is, is a thousand dollars a year and it's a private Ivy League school and another school ten thousand dollars a year? You telling me it's six times better academically, not a chance! Is it better? It probably is it six times no possible way. One of them would have to be a you know. That's just ridiculous and so that is ridiculous. You are paying for prestige, Europe. Frame of the school, not the quality of the A lot of these cases, Have the money- or they want to give you a free ride- you want to do it Anthony

are with you more power to you baby, but Dream is not to get a degree that is usable and you're too. Fifty thousand dollars in debt. That is not a dream. That's a nightmare yeah that is a nightmare Dave. Your good friend and I had opportune sit down with Mark Cuban says if you're smart, you're smart, two two equals four, no matter where you go, you are going to be successful if you have a hard work ethic, if you have character, and if you're living with intentionality, no matter where you go, you will be successful. You don't have to spend sixty thousand dollars a year to be successful, so this really comes down to who you are as an individual? Your school will not make you location in learning something every day helps you enhances you to become the better, what you do with the knowledge is. What makes you successful big line right there. That's a big line

and get moms and dads involved in making adult decisions about adult a dollar amounts is the only way to do this with wisdom, it's what's called the lack of that is what's because this country to get completely upside down and have this plague going cross our land O get Anthony O'Neill's debt free degree, I have sold a brazilian of them. It will be on the best seller list. The first moment, can be sometime next week. Will let you know It lands, we don't know how weren't lying on jet, but it's we've sold enough to be the list, it's just a matter of where and I get your number one. Thank you guys for buying the books you bought this week. You'll help him get there. So we'd appreciate you getting copies, but I mean given every kid. You know every parent of teenager, you know debt free degree, the third showed Monday will drop on apple, podcast and play and everywhere else great podcasts, are heard and

wherever else in that. That would be, of course, for borrowed future and this this document put out by the Ramsey network? Are this podcast in documentary form? Put by the Ramsey network on the exposing the scan and the behind the scenes robbery of the student loan stuff, it's unbelievably predatory more, I thought it was still. We did shut down start working on this. It's a filthy, little business, big business, so Anthony, be careful out. There will show you when you get home thanks Dave, you too

Congratulations, Anthony O'Neill, Ramsey, personality, best selling, author author of the brand new book debt free degree, debt free degree, these step by step guide to getting your kid through college without student loans. This is that a Ramsey show

Marcia is in Minnesota hi Marsha. Welcome to the Dave Ramsey show good afternoon afternoon. How can I help but I'm I'm forty one years old, I was diagnose, Parkinson's at age. Thirty and didn't I was going to survive much longer mentally, but years ago, I got deep brain stimulation, so I feel motivated get control again and got two boys one's a senior this year. My other twelve and I not be a burden. That's my main goal, my kids so uhm

not many school debts or anything. I've got two car loans that one of my kind of regret, but I told that is with the house- is one hundred and thirty four, and with my cars, it's twelve and keep two cars, and so you're saying: why do you have two car debts? Well, my see my second kid. My older son is: he drives work. I'll show you, when in debt to buy a teenager car yeah, ok and I had originally bought the with cash, but it fell apart then, so I tried the used car approach, but anyway, so yeah. That was one of my stupid gotcha. Ok, so what do you make a year? I am on disability, so I get three thousand six hundred a month, so that covers only bills, but I haven't,

got out just leaving. So I'm roughly it's forty four thousand a year: ok, good! How? How much did you say you have in savings? One thousand we have one thousand so you're getting started? Ok and you have the two car dash and your question is your question: is about not being a burden to them yeah and I'm going to put my kids to school, so I just don't. I I've listened to your podcast about not student loan debt, so okay! Well, we don't. They don't need to go on a student loan debt for sure yeah on I've I've. I don't know that either so. I was able to get ground scholarships, so your oldest one is a senior yeah. What is he thinking of going to college next year?. He wants to go. I don't go to church secondary college. Thank you. Bye see live at home.

Like a community college yeah, but I just see very mathematically generals first but Here's the best way to do that. Let's begin with a goal in mind and then flesh out every single detail of the gullible. And then you know what you have to do to hit the goal. Ok, and so say he had a dog and a goal of getting a degree from a four year school he's going to do two of the years of community College, because it's cheaper and then he's going to go to an in state she. State school which will be the cheapest, preferably one near you we can live at home all four years that way and complete. Now you would want to make sure

whatever community college and field of study, he picks there will match up with the degree he's wanting to go and transfer those credits over into the next college right. So you don't want to take a bunch of stuff at community college and did not match up towards this four year degree or he's going to transfer to so you can find all of that out. Now you just do the research, it doesn't cost anything you get in touch with the local state school that which community colleges match up with them the best and then go to those colleges make sure you take the exact classes that do the exact transfer so that you can, that show they count for your basic solution. Your core staff, your core curriculum stuff, should transfer, but not, if you take a bunch of weird stuff and and not if it's from a school, that's not recognized by the school that you want to transfer to shout. You got to do some work here. Are the other piece you'll get from the

you'll figure out what it costs to go to the end state school in your area, the four year school and what it costs to go to the community college? Now we have a financial goal that we need to work towards, how we're going to get that money to do that in euros case with you on disability single mom, with two boys making. You know forty thousand dollars a year on disability income only. They probably are going to qualify for Pell grants. Now granted. I sat looking yeah Pell are, are, for you know there for folks within at with income issues and and but I think the fact that you're on disability is probably going to qualify them for that. So let's look at Pell grants and you not a thing called. The Pfaff saw the F a F S, hey. I can never remember the initials, but it's the federal paperwork, now be very, very careful that none of these people lead you into alone 'cause. Some of them do grants

things that sound like a grant and they're actually alone, but you're. Looking for a Pell grant, remember that phrase and so you need to go to the both schools. You need to make sure curriculums lineup, you need to get your costs involved. You need to find out about Pell grants it's possible, he could do for you, Is there a four year college near you there's a there's two forms of nursing. If you want to go for nursing it two year So she is better for years and are not said. Is there a four year college near you? That's in state yeah Minnesota, that he could live at home. Yes, okay, you may be able to just pay for all of that and he may be able to go there the whole time with the Pell grants. Pell grants may cover it, and so, where do I find this telegram? where do I start, you gotta? Let you go, you go faster and you start researching Grant's online and you fill out his Fafsa, and you need to talk. Talking to the schools in the area and they'll help you, though,

guidance people there. But in no case You need to get a loan under no circumstances. Send you a copy of Anthony's book today, debt free degree- and you read and your senior reads it by Monday and started on this now, you're late, you should have we've been working on this she's halfway through senior year and so gotta get moving here and you're going. It's all about planning and it's all about details, that's what keeps people out of debt is set the goals that are realistic and funding them then, and it's all about that and download that podcast in both of you, listen to it the borrowed future podcast, and the third episode drops on Monday, but the first two episodes are out there. An if you and him need to listen to that, you guys need to get on the same page. You need to have a lot of talks about his future, and so what amounts to is is what we can't give him in money you can with him in coaching and direction, and

Motherly motivation: you can give him all of that and he won't have to have student loans. He needs to go. Take his satact and. And then, if he doesn't do fabulously on it, he'll need to take it again because most of these places, for score. They used the best scores of each category from the various tests that you've taken so, you need to go back through and do that over and over and over again. This is very, very possible in your situation that this young man can go, cool without a student loan? Do not take out a student loan, it's all about the planning. It's all about the detailing and it's all about pushing through, and this book will show you exactly how to do it. It's written for you you're, who Anthony wrote this book for and so I'll send you a copy of it. Debt free degree, the step by step guide to getting your kids education without.

Student loans. Folks is just really possible, so here let me counter walk you guys. Through there listening out there. Let's say he gets no Pell grants. Let's say she doesn't qualify. I think she does. But let's say she doesn't: can a senior still get there yeah if he's living at home, the in state tuition with a typical in state school today is right around ten thousand dollars a year, ten thousand dollars, eight hundred and thirty three dollars a month. You deliver pizzas, four five six nights a week in the rich neighborhood, not the poor, neighborhood. You're going to make one thousand five hundred bucks a month delivering pizzas. You need eight hundred and thirty three a month and in the summer, when you're, not in school, you work a forty hour. Job plus deliver pizzas at night, and you pull up some cash to make the make sure you get through school

watch you want little Johnny to work. Yes, I want little Johnny to work most of us that went to college work, while we were in college, it's hard to find an individual that didn't work. Well, college. Most people do this is, first generation that is calling this child abuse ridiculous. This young man can go to school. That free see somebody just going to say it out loud a lot and we can end this student loan mess. This is the Dave Ramsey Show

scripture of the day, psalms two hundred and fifty five guide me in your truth and teach me for you are God, my Savior, my hope. Is in you all day, Long James Faust said honesty is more than not lying. It is truth telling truth speaking truth living and truth, loving. Aaron is with us in Utah. Hyeran. Welcome to the Dave. Ramsey show Thank you for taking my call play. What's up, um I was calling I'm right now. I'm about ready to graduate with a masters and start working full time uh in a local governments and

trying to figure out what I can do right now to prepare at during my mother in and start she's gonna start living with me because of major medical issues. I I don't know where I'm going to start with this. So I do financially to kind of prepare for that kind of lost I'm also trying to figure out how to For now, she's all sorts of issues and help her get steady again. So how old are you? Twenty nine? and what is the nature of her medical issues, number thinks she is PTSD. She had some anxiety issues right now, the kind of the, key issue that were trying to deal with this teach teeth. For another head figure figure something out, How old is with some local. She is okay,

So she's primarily dealing with mental illness yeah, oh yeah that- and nerve issues and things like that that have happened because of cracks and she's been in ok. Alright, if she said she's she's, seeing a counselor or therapist, she just started last week and it's going well so far, good good, because I think with the way you're describing this. A lot of this is not medical. And are you single, I am mister right, Ann getting ready to take a new job after completing your masters. Yes, I have one more semester and I'm done graduating from the with a masters and right now, jobs and looking for looking for work right. And where do you live now? are you living on your own on.

Yeah I'm living on my own down Provo shoes, vernal area, pens on where you get as to where she moves in you move right, basically, yeah. Ok Obviously your good man for taking care of your mom there's, no reason you shouldn't do that what you've got to do is to this situation, that she still very young and so it will be an act of love on your part to not enable her to continue to go down, but instead to address these different issues and go exactly because she's young, that you don't know if she could he on have a wonderful life- and you know with it- are a good coach, a good counselor, a good therapist, possibly maybe they're they're. Maybe some some medications that are helper and

certainly you can help her by giving her a place to live and maybe help her with to work in a few bills here there that's a wonderful thing to do, but I don't want you to get caught in a thing where She sits down on your couch with an intention of staying there for forty years. Oh no, that won't happen. I've tired, We talked about this. If she were moving with me, it would be for two years at maximum. Ok, so you can get herself engineer self stable and we want the other point is that's real help. Then, if, if you should after forty years. That's not help. That's enabling so help is to help her get get. Dignity of carrying on her own life again and and boy that would be if you have given her, that would be unbelievable, love and so appreciate who you are and how you're doing that good job. Sir good job,

Mike is whether some MIKE is in Florida, hey MIKE. How are you I'm doing great how you doing Dave battles. Deserve. How can I help awesome? So My wife and I are both we're debt free and. On Friday, we will actually have had our house paid off as well and yeah. I know all thanks to you. Um we've actually got about thirty thousand left hanging out after the sale of one of our investment properties. That's actually going to help pay off our um and were wondering what we should do with that. Thirty, I thought you were to use it to pay left over after you pay off your house. Yeah yeah, yeah leftover after the house, ok cool right, so you baby step. Seven right. You have your emergency fund, your hundred percent debt, free right, okay, well, maybe step seven. There are three things you do with money and you should do all three, the rest of your life. You need to be generous and give you need to be investing

you be enjoying ok and might be a good practice to take this thirty thousand and divvy it up. Somehow, among those three things, what's on what's an item a thing or something that you've been wanting to do that. You've not- I'm doing because you've been hitting these goals actually you know? What are big thing is investing right now, we're both relatively young or two thousand eight hundred and twenty nine. That's not what I'm talking about I'm talking about going on a cruise or buying a car, oh yeah! We will. Travel actually we're going to head over to ITALY this December, good. Ok, so, enjoying some of the money. You would invest some of the money, and then you need to get in the rhythm of generosity with some of the money. So what I did exactly what I do in my personal life MIKE I take all access money, because I make a ton of money above what I a delay and live a good life. An anything above that I set aside

forty percent for taxes, ten percent for two, that's half of it right and then abandon. Next fifty percent. I divvy that up among enjoyment general tional, generosity and investing You can put whatever percentage. Is you want to put on it and you can change your percentages there? Yours, but a guy. I talked I talked to the other day. You said he takes he already it's a good life and he takes an additional five percent out of every check and adds it to his enjoyment fund. So. Here's a really nice enjoy my fund 'cause. It makes a lot of money. Ok, but and then he takes another fifteen percent, forgiving invest thirty five percent and so he's basically giving with hairstyles twenty five percent of his income. In his case total, and then I do have one more question for the thirty thousand or for the portion of it that we decide to invest. Is there a specific vehicle, 'cause above and beyond our Roth Tiring day, you might maxed out all your regardless of

install retirement available to you, okay, so I'm self employed, so I don't have a 401K or anything like that going. You can start with that. Ok, you start a simple simple. I I mean how many employees do you have just myself an independent contractor, basically, okay, good you can do a setup. Is the easiest thing to do and you save another fifteen percent of your income into that your net, if it's over that you can save another percent. It's a separate, SEP Self, the pension plan and you can do those as a or you can do them as IRA, I mean traditional irish IRA you self employed pension plans, just click smart. Daveramsey dot com and it'll drop down, most the smart jester pros in your area that are folks, we endorse, and you pick one of those you get to choose? Who you want to talk to, or if you want to Alleman interviewing you can you, for someone with a heart of a teacher, that'll walk you through

options are, but what I would do is and all the possible retirement is that are available to you of any kind and MAX every one of those out in my with my with vestment portion of the money that I have coming into my home now and So anything you need to anything. You have left above what it takes to operate your household these to go this formula now and it's uh. Digital, giving up pitch to investing and a percentage, enjoyment, and if you, if you only do two of those you're going to get out of balance, and we do one of get really out of balance so enjoy some of it, invest some of it always be generous with some of it. That's we're you're going to have a great, life so sour. The Dave Ramsey Show in the books are thanks to James Charles R producer,

Madison filling in for Kelly this week associate producer and phone screener. I am Dave Ramsey. Your host will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's to walk daily with the prince of Peace Christ. Jesus. This is James Child producer of the Dave Ramsey Show. Did you know you can now listen to the Dave, Ramsey Show on Pandora and Spotify for all the ways to watch and listen check out our show. Take a daveramsey dot com, slash, show

if you're looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel cruise show a podcast from money expert. My daughter, Rachel Group, hey guys it's ritual crews and I'm so excited to tell you about my podcast. A lot of people are living paycheck to paycheck there and that you don't even know where to begin, but they have this need. This want to get in control of their money, and if that's you, you have come to the right spot. So each episode during get a ton of inspiration and practical advice, if not subscribe to the rates of pre, show podcast make sure you do it today hear more from the Ramsey network, including the Rachel cruise show. Wherever you listen to podcasts, hey, it's Jay it's producer of the Dave Ramsey show Episode is over but check the episode notes for links to products and services you've heard about during this episode.